How to defer Navient Student Loans
Sallie Mae Student Loans | How To Delete Sallie Mae And Navient Student Loans?
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thank you hey what's up guys houston
here
and for those of you just finding my
youtube channel welcome please don't
forget to subscribe
comment and share on the topic we're
talking about today
and today's topic we're talking about
navient student loan
fraud now a lot of people ask me well
houston can i have my student loans
deleted from my credit report
absolutely but you have to understand
which student loans you can have deleted
all of them can be deleted
but in terms of the process and which
one will have more validity
for us removing so i'm going to explain
that in this video
now understanding what did uh
navient do and what type of fraud that
they committed
well we have to understand what was
their subsidiary doing or what was their
parent company doing at first
a lot of people are not understanding
well how did
navient navigate get my uh federal
student loans
well you navient got your federal
student loans from sally may
now sally may used to service federal
student loans
now understanding when they were
servicing federal student loans
sally mae was doing some very crooked
things
and a lot of people are so ticked off at
sally may
because they didn't know that they would
either had
a personal loan through salary or a
regular government student loan through
sally may
okay so it kind of kind of muddied up
the water so they
didn't know what was their actual legal
rights now what
happened with sally made before we get
into naviance
you need to understand sally may okay
with servicing government student loans
all right
so you would make your payment to sallie
mae sally made supposed to have took
those payments
paid the premium on your insurance
policy that's attached to your student
loan
then the remaining was supposed to be
sent over to the government to pay down
your student loan
however sallie mae wasn't doing it as a
matter of fact
sally may got caught by the cfpb
as well as the department of justice
okay because they was actually stealing
student loans
so that's the reason like sounding made
more likely
you won't see them as much talking about
student loans they'll talk about
offering you a personal loan
a personal loan as well as a credit card
that's where their focus is now
now their subsidiary that they created
which is
navient so navient started doing the
same thing sally made
sally may was doing but this is what
navient was doing
now they are the subsidiary of sallie
mae so you got to keep in mind
how crooked this industry is because
the cfpb and department of justice
you're going to love that one
when i start talking about so stick with
me don't go anywhere
and those of you that just found the
youtube channel again
welcome don't forget to subscribe and
comment on this
because what navient started doing you
would make your payment
okay so they wasn't properly processing
your payment on time
so they wasn't putting your payments
over to your premiums on your insurance
as well as making the payments on your
federal student loan but not talking
about private student loans we're
talking about the federal student loans
we're gonna
get to the private student loans the
ones that you can actually delete so i'm
explaining it to you but you need to
understand this okay
so there wasn't properly processing the
payments
on your federal student loan so this is
where the cfpb was looking at this
and said okay they broke the law there
and then
you individual you may have
a low income you may be disabled okay
you may be
classified as disabled you may have lost
your job so you reached out
on your federal student loans and say
hey i need a lower payment
well now that you said no we're not
giving you a lower payment
but the thing about it the federal
student law
was that you can get a lower payment if
you requested
because you have a financial hardship
and so this is what
navient was ignoring this is the reason
that they was actually being sued
because they was denying people a lower
payment
so the uh that lady that's over in the
over the department of education now
this is her family sallie mae that
that's her family
this is the reason you're catching so
much hell with your student loans now
because sally may never that's her
family so she's fighting for them that's
the reason it's hard for you to get
anything done with your student loans
all right so i'm just telling you the
facts so you can
look it up because this is all true
because i've been
studying the legal context of what's
been going on
now understanding that like i said
they wasn't processing your payments on
time neither
were they allowing you to have lower
payments
now this is on the federal student loans
let's talk about
your private student loans now sally may
was
issuing private student loans and
in their statement our student loans has
nothing to do with the government
student loan
so they immediately separated themselves
so that when say that you wanted to file
bankruptcy on your student loans
well because they're private loans
so they don't have the same bankruptcy
protection
as with your federal student loans or
say that you wanted to challenge your
private
student loans they don't have the same
federal protection
so yes your your personal
your your private student loans are
treated just like
a regular personal loan or credit card
so they don't have the same protection
and the thing about it because i've been
studying for such a long time a lot of
people are not aware of this
now let's talk about what happened with
cfpb in the department of justice
and this happened maybe toward the end
of last year the clpb
they requested the accounting records of
your
federal student loan so if you have a
federal student loan
the clpb said hey we want to see
these federal student loan accounting
records
and so the department of education told
them
no now why would one government entity
tell another government entity no well
here's the thing
you have an insurance policy in your
student loan
okay so what happened was
your your insurance policy was paid when
you defaulted
okay so since your insurance policy paid
when it was defaulted and there may have
been a balance remaining
this wasn't showing up on your credit
report the whole student loan was
so they was reporting inaccurate data
this is what's happening people this is
why you can't
remove government student loans off your
report because of the actual county
records that they're not showing
so again insurance policy in place
you defaulted they filed a claim on it
so now
the government's okay well we'll forgive
you
you pay 10 years and we'll forgive you
for the remaining
well here's the thing about it
they got money from this here
so the thing about it where you may have
had a fifty thousand dollar student loan
the insurance company may have paid off
say
forty five but the government is still
taxing you on this fifty thousand
so they'll let you pay on this fifty 000
for 10 years
and then you forget the rest well guess
what they already made money from the
insurance company here
people they're not giving you any free
money here
this is something that you gotta
understand and this reason i asked you
all
to invite people to my youtube channel
so they can start to understand
what's actually happening here you have
to actually follow
what is going on this is the reason
you're catching such hell
like now they're proposing like your
student loans not
uh paying your student loans for the
next three years
okay and then there's no interest in
proof
right well guess what they have
insurance policies in place
so whenever you defaulted on they claim
the insurance company
now here's the thing about it a lot of
insurance companies are saying hell no
because it's it's too it's like an
avalanche
and they can't handle that but at the
same time
you for the next three years you may not
have to pay on your federal student
loans
but in terms of navient and personal
personal loans
from sally made that they claim as uh
personal loans or
wells fargo uh student loans that they
gave you
they are not protected by the same laws
because
they are just personal loans they are
treated like a credit card
so this is houston with three-way
funding i hope that you
have a better understanding if you want
me to take a look at your credit report
report or you want to set up a
one-on-one consultation
click the link below reach out to me and
i'll set up a one-on-one consultation we
can talk about your student loan
but you have to understand how all of
this
is happening they're screwing you people
you have student loans and stuff and you
don't know what's going
on and again because
the current people that are handling
student loans
they are trying to prevent these people
from actually getting those accounting
records exactly see
what has been paid so there's money that
you're paying
that has not been paid applied to your
student loan so that's the reason
you keep seeing these larger balances
and they're not updating their records
correctly
so this is houston with three-way
funding i hope that you uh like the
video please comment
let me know your struggles with sally
may or navier
or with student loans in itself thank
you
